Side-by-side · Q2 2026 data
Junction National Bank vs First State Bank
Metric by metric
| Measure | Junction National Bank | First State Bank |
|---|---|---|
| TellerScore | 86 (stronger) | 78 |
| Capital cushion | 70 (stronger) | 56 |
| Loan quality | 100 (stronger) | 88 |
| Earnings | 84 | 85 (stronger) |
| Funding & liquidity | 90 (stronger) | 81 |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 81st | 60th |
| Total assets | $93.0M | $58.2M |
| Deposits / shares | $84.6M | $51.9M |
| Capital ratio | 12.04% (stronger) | 10.64% |
| Problem loans | 0.00% (stronger) | 0.37% |
| Net charge-offs | -0.02% (stronger) | 0.26% |
| Return on assets | 1.60% | 1.62% (stronger) |
| Loans ÷ deposits | 25.0% (stronger) | 40.3% |
| Uninsured deposits | 24.5% (stronger) | 32.5% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Junction National Bank has the higher TellerScore (86 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Junction National Bank leads on 6 and First State Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Junction, TX